​For Contractors (Affordable, On-Demand Support)

​Send your documentation for support →

​

​Struggling with adjuster pushback on scopes, invoices, or documentation?

🔧  Affordable documentation and scope consulting available when needed.
📲  Call/Text: 443-864-7679
📧  Send documentation: ​damages@paidfairlyforpropertydamage.com

The Claim Expert Homeowners and Contractors Trust When the Insurance Company Starts Playing Games

​

⭐ Policyholders: Insurance estimate or denial letter? I review it for FREE.

⭐ Contractors: Affordable documentation and scope consulting available when needed.

​

When an insurance company delays, denies, or underpays a claim, the impact spreads everywhere.
Homeowners are left confused.
Roofers lose legitimate full replacements.
Mitigation and restoration contractors face invoice reductions and endless scope arguments.

Paid Fairly For Property Damage is here to stop that.

We protect policyholders from unfair insurance practices and help contractors strengthen their documentation, scopes, and processes to eliminate pushback.

Why I Do This ​

​

With thirty-seven years in construction, architecture, and ICC-certified building inspector expertise, I saw far too many people getting taken advantage of because they didn’t understand insurance language, building science, or code requirements.

I watched:

• Homeowners blindly accept lowball scopes
• Roofers lose jobs over “repairability” excuses
• Mitigation contractors struggle with invalid invoice cuts
• Restoration contractors get trapped in endless back-and-forths
• Engineers write sloppy reports that insurers relied on to deny claims

So I built a firm that levels the playing field.

📄 Policyholders: Send your estimate or denial letter. I’ll review it for free and explain exactly what the insurance company isn’t telling you.

🔧 Contractors: If you want a professional audit of your documentation or scopes, I provide affordable consulting, only when you need it.

​Why Insurance Companies Don’t Want Me Involved

​

Most public adjusters know insurance.
I know insurance, building codes, building science, construction standards, materials, and how adjusters manipulate scopes.

​

I can identify:

• Hidden line-item omissions
• Improper repair methods
• Misused exclusions
• Weak engineer conclusions
• Code-triggered repairs the insurer ignored
• Documentation gaps that cause contractor pushback

I don’t argue opinions.
I argue evidence, code, science, and technical accuracy.
And carriers hate that advantage.

Who We Serve

​

​Policyholders (Homeowners & Property Owners)

​

I review your:

• Insurance estimate
• Policy language
• Denial letters
• Partial payments
• Adjuster notes

This review is free.

​If you need public adjusting representation, we work on a contingency basis, meaning you never pay out of pocket.

​

You’ll understand:

• What the insurance company missed
• What they incorrectly applied
• What you’re actually owed
• What steps will fix your claim

Roofers

​

I help you win full replacements by providing:

• Code-driven documentation
• Repairability & compatibility arguments
• Scope correction
• Strategy for responding to pushback

You close more jobs with less resistance.

Mitigation Contractors

​

I eliminate invoice reductions by focusing on:

• Moisture logs
• Notes and job documentation
• Proper coding and line-item structure
• Weaknesses the adjuster will attack

If needed, my consulting services are affordable and high-ROI, because one saved invoice usually pays for the guidance many times over.

Restoration Contractors

​

I protect reconstruction scopes from being underwritten and manipulated.
I review:

• Xactimate estimates
• Adjuster reductions
• Missing line items
• Incorrect repair methods
• Carrier misunderstandings about materials

And I help you present scopes the right way to limit friction.

​What Makes Us Different

​

✓ 37 Years of Construction & Architectural Knowledge

Actual building science, not theory.

✓ ICC-Certified Residential Building Inspector

Carriers can’t argue opinions against code.

✓ BEC-2 Building Envelope Certified

Advanced expertise in exterior system performance, including roof assemblies, moisture movement, ventilation, and envelope failure points.
Insurance companies cannot outmaneuver proper building envelope science.

✓ I Review Documentation, Not Photos

Policyholders send me estimates, letters, and policies.
Contractors send me scopes, invoices, and back-office paperwork.

✓ Forensic-Level Scope and Policy Analysis

I catch everything adjusters hope you miss.

✓ Strategic Contractor Consulting (Affordable, Only If Needed)

I show contractors exactly what’s causing pushback and fix it.

✓ Known as “The Claiminator”

Because delays stop and excuses evaporate once I get involved.

Real Wins That Matter

​

I routinely overturn:

• Denials
• Underpayments
• Repair-only scopes
• Improper exclusions
• Invoice reductions
• Bad engineer opinions
• Carrier manipulation of contractor scopes

These outcomes aren’t luck.
They’re strategy, evidence, and experience.

What Happens When You Contact Us

​

1. Policyholders send the insurance estimate, denial letter, or policy for a free review.
2. Contractors send the adjuster pushback, scope, or invoice for analysis.
3. I identify what’s missing, what’s wrong, and what the insurer doesn’t want you to notice.
4. I outline clear steps to fix the claim or documentation issues.
5. If representation is needed, I handle the insurance company directly.
6. If contractors want improvement, I provide low-cost, high-impact consulting that eliminates future pushback.

Serving Multiple States With Precision

MD • DC • VA • WV • NC • OK • PA • OH

Don’t Let the Insurance Company Control the Narrative

Whether you’re a policyholder confused by your estimate or a contractor tired of fighting adjuster objections:

📄 Policyholders: Get a FREE review of your estimate, denial letter, or policy

🔧 Contractors: Affordable consulting and documentation analysis available when needed

​

📲 Call or text 443-332-8527 to get started

​

Paid Fairly for Property Damage Inc.
Protecting policyholders. Strengthening contractors. Ending carrier pushback at the source.